09-18-2012 02:38 PM
NO ONE BURST MY BUBBLE, CAPISH?! I checked my Experian site report, (YES I KNOW, FAKO) BUT, it increased 69 points, yes, 69!!
09-18-2012 02:39 PM
09-18-2012 03:10 PM
09-18-2012 04:22 PM
Not gonna ruin your happy dance, I'm just gonna crank the music! Congrats!
09-18-2012 07:03 PM
HEHEHEHE!! Thank you all!!! I know it itsn't much, but it was my lowest score. it had dropped from 584 to 572 earlier this month, and then jumped to 641. Of course as I have learned from you guys, that is probably waaaaaaaaay off from what the actual FICO score is, BUT, I can happily dwell in the possibilities! LOL!
The thing is, on that site, I can not tell at all what it was that caused the increase. Nothing is removed, the one and only thing I'm disputing is still showing, and like I said yesterday, it doesn't show on the report that it is being disputed. And the card that I've been added to isn't showing either. Any ideas?
09-18-2012 07:12 PM
Let me correct myself!!! I just pulled it up again, and it now says, " You have no accounts in collections." YAY!!! I.C Systems removed that bogus Cox collection of $40.00!!!
But would one collection that was listed from 2007 bump me 69 points?!
09-18-2012 07:43 PM
Was that your last baddie? If so,, then yes!
09-18-2012 07:57 PM
The last ugly collection on EX,yes!! Now, the only other yucky stuff it the 2 PAID(lol, wanna stress that) chargeoffs that the mean old bank only added comments to when I asked them to update it to PAID vs the BAD DEBT/COLLECTIONS they still had listed! I just love how they put, "Paid-was a charge-off". Hatefull folks!
ANYWAYS, I think you agreed with me that I should let them sit since one says date opened(does that matter?) in 2005, and the other 2006, until we secure the mortgage?
So, while I wait for this week to pass and hope to see a positive outcome for the last dipsute on EQ,( i know, ive beat a dead horse to death!) and then hopefully apply for the mortgage!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.